# OTM Card vs eCloud4

The clearest difference is update cadence: eCloud4 at every 2 months against OTM Card's every 14 months. eCloud4 also leads on iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

OTM Card ships an update every 14 months, eCloud4 every 2 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | OTM Card | eCloud4 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 2 months** |
| Monetization | — | Free |
| Size | 152 MB | 96 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Gate To Pay](https://appshunter.io/developer/1481347811) | [eCloud4 Corporation](https://appshunter.io/developer/1455406601) |

## What reviewers say

### OTM Card

[App page](https://appshunter.io/ios/app/otm-card/id1637595061)

**In-app purchases:** none


### eCloud4

[App page](https://appshunter.io/ios/app/ecloud4/id6447580403)

Easily manage your finances with quick QR code payments at supported merchants. Send and receive money to contacts using just an email address, and simplify bill splitting. This app offers a streamlined approach to everyday financial transactions.

**Highlights:** QR code payments, Send/receive money via email, Bill splitting, Fast and easy transactions, Merchant network payments

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is OTM Card free?

OTM Card is free to download, with no in-app purchases.

### Is eCloud4 free?

eCloud4 is free to download, with no in-app purchases.

### Do OTM Card or eCloud4 have ads?

Neither OTM Card nor eCloud4 shows ads.

### Which is updated more often, OTM Card or eCloud4?

OTM Card ships an update every 14 months, and eCloud4 every 2 months. Most recently, OTM Card was updated on November 3, 2026 and eCloud4 on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*